Mr and Mrs K's New Journey to a Debt Free Life.

Goldiegirl

Hello Alex - firstly happy birthday

Secondly, you talk a lot about your upbringing, and the feeling that you want to give your son the upbringing that you had.

Forgive me for saying this, but I've read nothing on this thread to suggest that your upbringing makes you feel happy and secure. So I don't really understand why you want your son to have something which maybe hasn't been happy for you.

Why not break the mould, and do things differently, e.g. That you and your wife can manage - then you wouldn't feel so in thrall to your parents.

7roland8

Apropos nothing really - had lovely card off eldest son for Christmas - and he'd handwritten in a message (in biro Alex!!) saying us as parents had made him what he is today - he's now 29.

Mind you I did joke with him whether he meant that in a good or bad way!

But I thought it was lovely and unprompted.

AlexLK

Roland: I actually wanted a quiet "nothing sort of day", plans for more of the same tomorrow, also. Did not want my wife to be ill, nor the crude comments from my father alluding to her being pregnant though. Still it's not been so bad and had some nice gifts.

gallygirl: Thank you, I hadn't thought about the money much but your suggestion of spending it on the house has just put a few more possibilities on the table which I had not thought about. Usually the money would have been spent by now, so something is going right. Mind, thus far the boiler is behaving itself and my wife and I have sort of seen another car for sale.

Goldiegirl: Thank you.

It's something I think a lot about since we've had our son, mainly as I don't know how I'm going to provide him with the things I had. In all honesty, I doubt I would have been a "happy" and "secure" person no matter my past.

Roland: From what I've heard on here, you sound a fantastic mother so I'm sure it was meant in a good way.

AlexLK

Saturday 28th December, 2013.
Day 122.

Dear Diary,

Another year older and most probably not wiser, well at least the gifts were nice even if the company was somewhat lacking today.

My thoughts are turning towards my New Years Resolutions (of which I make many each year) and returning to thinking about how I can sort my finances out despite the fact I've very little in the way of business for the start of 2014, so little I am considering forfeiting my wages altogether for the first couple of months. Earning so little money does get me down, as does the prospect of my wife always earning more, I do feel ashamed of myself that I cannot financially provide for my family and live in fear of what would happen to me if she called time on our marriage.

Onto debt busting, I am once again beginning to feel sick about the amount of money I owe, rather than just getting on with paying things off as I did before. It feels as if the whole thing has come to an absolute standstill yet again. Funny how when I hear about friends and relatives climbing the property ladder once again or buying investment properties, I can feel my progress coming to a halt and my motivation to become debt free slipping - I can't have what they've got so why pay the money back? Anyhow, I'm aware I need to stop these thoughts, perhaps trying to get a decent night's sleep might be a start?

Summary:
£0.00 NSD

Yours Faithfully,
Alex.

Iwillsucceed_2

Good morning Alex!!

I remember you stating in the past 'the FEAR' of being left by your wife. it doesn't sound positive to be entering into the new year with this crippling fear by your side!! This fear is a mammoth shadow living over you isn't it? I want to shoot at it!! :-) so you can see the side behind it! there is nothing to fear in life than fear itself ?!!

Regards,

Mara_uk7

Alex, stop !!!!!footing around these debts, you have £13000 saved , so pay off something ! You could clear the whole lot in a few months if you put your mind to it.
Other people are not so fortunate, so give up the poor me act and just blooming get on wae it. Im sorry if you think Im being harsh, but you appear to be such a nice guy, this pathetic act is getting wearing and losing you support. Go pay off one of the cards you are paying interest on.. Make it one less to start the new year.

gallygirl

Sorry Alex, but totally agree with Mara. Man up and pay your debts off.

slowlyfading

Same here - you could make huge dents in your debts with that £13k, I don't really understand why you're holding back.

Another thought - you wouldn't be able to a mortgage for an investment property with the debt you have, I don't think.

AlexLK

Iwillsucceed: I can't seem to stay positive no matter how many times I repeat over that things will be alright. I seem to be able to trick myself for a day or two, get other peoples' hopes up then return to my usual self which only seems to wind the aforementioned other people up even more.

Mara / gallygirl: To be honest paying things off is not really on my mind at the moment and I'm starting to get attached to the money I've saved, which isn't as much as it once was.

AlexLK

slowlyfading wrote: »

Same here - you could make huge dents in your debts with that £13k, I don't really understand why you're holding back.

Another thought - you wouldn't be able to a mortgage for an investment property with the debt you have, I don't think.

Ha, wouldn't even be able to remortgage my own house never mind move up the ladder / buy an investment property with my income it would be a waste of time and effort trying even when my debts are paid and credit file no longer wrecked.